This is where things get interesting when it comes to liability. The tuner I believe is in California and the owner is in Texas. California law states the the owner of the vehicles auto insurance policy has to cover other people driving the car, not the driver. I am not certain what the insurance law is in Texas. I totally agree that the tuner owner should be held responsible and have to buy this guy a new car, but I am not certain how the law will lean in the case considering the owner is not from California, and it was an employee of a business that was at fault.